24 Years in Business 0161 962 7800Option 3

Uniquely Independent

3mc prides itself on its true independent status. Since 1996, 3mc has been arranging mortgages for all types of customers and property types. As an established national brokerage, we have formed lasting relationships with both mainstream and specialist lenders. Customer service is at the core of our values, we take time to understand each customers needs to provide the very best mortgage advice.


A wealth of experience

3mc has a wealth of experience when dealing with mortgage lending enquiries from all of our customers. This includes residential, buy to let, portfolio buy to let, bridging and commercial enquiries.


A better customer journey

Track all your cases with 3mc, from simple enquiries all the way through to completed applications in the 3mcView client portal. With 24/7 access allowing you to check the status of your case whenever you want and from wherever you are in the world.

What our customers say about us

  • 3mc are so helpful, friendly, kind, and efficient. I would not hesitate to recommend them. I particularly dealt with Jason and Nicole, both of whom I found to be friendly, helpful voices at the end of the phone. What a relief to speak to people who know their job well and are good at it. Tasks were completed almost immediately. I would definitely come back to 3mc for my mortgage next time. I came to them through the NRLA, and found the price also to be good.

    charlotte beau Avatar charlotte beau
    July 27, 2023

    Highly recommend 3mc. Michelle and Karl were so helpful, and very informative. They took all the stress out of the mortgage process and helped every step of the way. They answered all my questions promptly . Excellent service, I cannot thank them enough.

    Nicky Yuen Avatar Nicky Yuen
    June 28, 2021

    Given the rapidly rising rates of mid 2023, I really wanted to consider all my options carefully. Jess from 3MC put an enormous amount of work into finding a suitable mortgage and renewing the information she provided as the situation changed. Besides the obvious headline figures she was also able to identify all of the nuances from individual providers which made them either suitable or not for my needs. I simply wouldn't have been able to determine those details without the help of a broker and 3MC did a good job, never once sounding frustrated when I needed to change my mind to fit the evolving situation.

    Carl Avatar Carl
    September 2, 2023
  • my previous experience has been good with 3mc but in last transaction the service was substandard. There was no response from the representative and delay led to expiry of my initial application. So I had to put a new application resulting in delay of completion of purchase. This could potentially cause drop of sale. I think this was due to changeover of staff and last manager Kieran was good.

    Ansar Hayat Avatar Ansar Hayat
    June 21, 2023

    Stephen Derbyshire at 3MC is superb. Excellent personal service, finds solutions and leverages relationships where others can't and extremely reasonable on fees. Five stars.

    Richard Driver Avatar Richard Driver
    February 1, 2024

    Sean has help me so much from start to finish, he has been ever do kind and patient with me and guided me through the entire process. He has been so professional and helpful, even answering any questions that I have had several times without any hesitation or annoyance. I would definitely recommend him and I will definitely be using him next time. Thank you from a very satisfied client.

    Edna Fearns Avatar Edna Fearns
    June 29, 2021
  • 3MC never cease to fail. They are unbeatable on price and service. This is not my first time using them, and definitely won't be the last. Special shout out to James & Mollie for all your support and assistance!

    Shifra Avatar Shifra
    April 2, 2022

    3mc are a good broker. Very efficient and helpful. Leigh and Louise were excellent. I liked the way I could upload my documents to their portal which simplified the process. Would definitely use again. Overall a very easy and stress free experience :)

    Richard Lines EMBA Avatar Richard Lines EMBA
    April 1, 2022

    Great experience from start to finish. Very helpful, friendly staff, nothing was an issue and they were very patient with my requests and changing the mortgage requirements. I will definitely be using them again!

    Sez Avatar Sez
    March 21, 2022
  • Leigh and Jake always respond back to my queries efficiently and with a professional timely manner. I would certainly recommend 3mc to any person looking for a residential or buy-to-let product. Thank you for a great service. I will certainly be returning. Jacky

    Jacky Glanville Avatar Jacky Glanville
    April 29, 2022

    We have used a number of mortgage brokers and none have been as quick to act and as helpful as 3mc. Karl was brilliant in finding us a great product and answering any queries about the product. Abby Bray was fantastic throughout the whole process! We felt completely supported and Abby went above and beyond in responding to our emails promptly and professionally. Even updating us on a Saturday! Thank you so much! We can’t wait to use you again!

    Abbie Stephens Avatar Abbie Stephens
    April 28, 2021

    We will never use them again. The only shining light there is Craig. He managed to get the one and only deal we will ever introduce to them over the line after 8 months of poor handling by them and the lender - Hampshire Trust Bank. We introduced 4 or 5 other deals to them, one of which got to the offer stage, and then the lender pulled out because they decided they don't like AirBnB investments even though they knew it was from the start. After the customer had paid fees including a valuation which was over £1k there was no recompense. The response time was extremely slow and often a week would go by with no update and when they did the lender would be blamed - not good enough. You represent the lender - get them in line. There were many overpromises and a total lack of care throughout the whole experience. Passed from person to person and no one would know what was going on - just reading from notes on the system. 3MC put the Brokering Industry to shame - you need to sort your act and fast.

    Rob Partridge Avatar Rob Partridge
    July 14, 2022
  • Approached 3mc as a member of NRLA and was very impressed with the communication, speed of execution of my instructions and the overall timeframe to process multiple remortgage applications. One product switch remortgage was organised in less than a week from start to completion.

    Rick Walton Avatar Rick Walton
    May 5, 2023

    I write to explain just how impressed I have been with Jayde, regarding the record breaking, torturous cases in the student accommodation block called ‘The Junxion’, which have exceeded 3 years in processing as we approach completion. I will give you the abridged version of events, but I have worked on these cases for over 3 years and had to deal with the cladding issue, post Grenfell, EWS1’s, Covid, the advent of the new BSA and three different firms of solicitors, a toxic cocktail in anyone’s workload. All of these issues individually could have sunk this application, but to have to deal with them all has been a Sisyphean task. There have been so many false starts, I can’t remember them all, but I was happy with the support I received from @@@ at the time, who was professional and knowledgeable. When ### left at a key juncture, I feared the worst, because how could anyone pick up these cases and run with them given the size of the files and the complexity of them. To compound things further the fee earner at WC Solicitors fell seriously ill and was replaced by a whole new team. I was introduced to Jayde as my new case handler and I was guilty of making assumptions based on nothing more than a voice which sounded very young. I felt quite despondent at the time because I assumed it was going to be one more area for me to manage and be responsible for when dealing with my clients. I could not have been more wrong, Jayde showed a degree of confidence when dealing with me and others that reassured me almost immediately and demanded a level of respect, which was impressive to say the very least. Her confidence grew as she became more aware of the cases, their history and the key participants. As time went by it was clear to me the chasm of expertise, know-how and confidence her former colleague offered when compared to her, in-fact when compared to any and every case manager from any packager I have ever used in 33 years in this industry. We all have personal issues to deal with on top of our employment, which can be tough at times. I can tell you that Jayde helped me cope with these cases to such an extent that I was able to focus more on other cases that were languishing in an ever-increasing backlog, such was the confidence I had in her to deliver. I knew that she was ‘pushing back’ when it was needed with the lender and different firms of solicitors, which showed a lot of confidence, moreover she never failed to call me back or deliver on something she said she would do. Imagine getting updates when you wouldn’t expect them from any other service provider, it was such a treat! Well now we are hopefully going to complete inside the last two days of the 4th or 5th extension of the 8th or 9th set of offer terms and conditions, and that is in no small part down to Jayde. I am looking for a key administrator as we re-structure and I would offer Jayde the position in the blink of an eye, so keep your office door locked! Please pass on my gratitude and thanks for her sterling work, supporting me to completion on 3 cases that have become the longest, most drawn out and complex in my career to date, she deserves a huge pat on the back.

    Paul Slater Avatar Paul Slater
    December 6, 2023

    I have used 3MC for re-mortgages and purchase's. Jason, Leigh and the team offer a great service and are always available to chat if needed. Would highly recommend!

    Hilltop Serviced Apartments Avatar Hilltop Serviced Apartments
    October 9, 2023
  • Being a first time buyer, I really didn't have much of a clue when it came to mortgages, Kelly provided us with an exceptional service and explained the various processes whilst keeping us informed throughout. I would definitely recommend this business to anyone looking to take out or renew an existing policy. Outstanding service from a very happy customer 😀

    Lee Miller Avatar Lee Miller
    June 25, 2021

    As an NRLA* member, I used NRLA Mortgages for which 3MC is the broker, for three buy-to-let remortgages (Summer 2022) . They managed to get my offers quickly before the next interest rate hike. I found them to be excellent and would definitely use them again. (* NRLA= National Residential Landlords Association)

    Mary Scott Morgan Avatar Mary Scott Morgan
    September 22, 2022

    Stephen Darbyshire and Nicola Jackson were very helpful and very efficient. I had a fantastic customer service and am very happy to recommend 3mc to anyone looking for a mortgage.

    Chris Chabvuta Avatar Chris Chabvuta
    October 2, 2022
  • Outstanding service and support. Jason and the team were honest, very supportive and absolutely definitely did the hard graft to help obtain what I needed. Will be the first person to call ( and the team ) For any further similar requirements. Super support. Thanks

    Shahid Hussain Avatar Shahid Hussain
    April 4, 2023

    My recent dealings with Michelle, Leigh and Jess have been nothing short of exemplary. Having used various other brokers in recent years, I can confidently state that 3mc are head and shoulders above their competitors.  Not only are they efficient at responding to my queries, they are extremely approachable and have given me nothing but expert advise on every occasion, maintaining a level of professionalism that I have not witnessed previously in my many years dealing with mortgage brokers. I would not hesitate to recommend this company, and I will continue to use them for all my requirements.

    Carl Fitzpatrick Avatar Carl Fitzpatrick
    June 25, 2021

    A really outstanding and excellent service from 3mc - very helpful, efficient, friendly and courteous. Extremely grateful for Josh and Nicole's work. Always quick to respond and solve matters. If I could give 100 stars********** I would. Will definitely use 3mc for future transactions. Thanks Nicole, Josh and 3mc. You are brilliant!

    eve Jarrett Avatar eve Jarrett
    September 27, 2023
  • Very good and professional service. Todd and Nicola were very good at ensuring everything happened when it should. They were even helpful with chasing the solicitors who were very slow.

    James Treasure Avatar James Treasure
    July 1, 2022

    We have just successfully completed on a new buy-to-let mortgage deal introduced to us by 3mc. Throughout the process 3mc have not just been monitoring the process but have been proactive in moving the process along, including at the last minute securing a better rate from our new mortgage lender. We'll definitely be using 3mc again. Many thanks!

    Peter Robinson Avatar Peter Robinson
    February 14, 2024

    A really amazing company. Firstly, they found me deals that other mortgage advisers said were not available. Secondly, they kept me updated every step of the way. Even when one or two issues came up, they were patient with answering my questions. I would highly recommend them and they will be my first call whenever I'm looking for a mortgage.

    Toyosi Awe Avatar Toyosi Awe
    November 25, 2022
  • Mollie and her colleagues have been excellent in their dealings with me providing up to date advise using their expertise and knowledge to offer the most suitable and best buy to let mortgage products available. I have no problem recommending them as a solid and trustworthy mortgage broker that truly delivers.

    Winty Senior Avatar Winty Senior
    February 11, 2024

    I have used 3MC on numerous occasions for property purchases and remortgages. They offer a highly efficient and speedy service at a very reasonable rate. I shall continue to use them in the future.

    Gordon The Widewater Woodturner Avatar Gordon The Widewater Woodturner
    October 4, 2023

    James and Mollie have worked on many of my mortgages and are always determined, communicative and incredibly helpful. I struggled with their online system somewhat so they found a way to submit everything manually which was a huge relief. I highly recommend 3MC

    Andy Avatar Andy
    May 7, 2022